Real estate finance and mortgages

We advise lenders, developers, and investors on real estate finance and mortgage transactions across the UAE, offering clear legal guidance on structuring, security, and enforcement.

Practice Overview

Financing real estate transactions in the UAE involves careful legal structuring to mitigate risk and ensure compliance with local laws. At Kayrouz & Associates, we act for banks, private lenders, developers, and high-net-worth individuals in negotiating and securing real estate financing arrangements.

Our lawyers advise on loan structuring, security creation, and the registration of mortgages and charges with the Dubai Land Department and other relevant authorities. We help clients understand the legal implications of lending against freehold and leasehold properties, and how to enforce security if obligations are breached.

We also support borrowers in reviewing financing offers, navigating interest terms, and ensuring mortgage agreements are aligned with broader commercial objectives. For lenders, we offer due diligence and risk evaluation, ensuring transactions are underpinned by enforceable rights.

In addition, we advise on Sharia-compliant financing models, bridging loans, and refinancing structures tailored to the UAE property market.

We offer legal advice on a wide spectrum of matters:

  • Structuring real estate finance and mortgage transactions
  • Drafting and negotiating facility and security agreements
  • Registering mortgages and liens with property regulators
  • Advising on default, enforcement, and repossession rights
  • Reviewing loan terms for borrowers and lenders
  • Legal support for Islamic and conventional financing
  • Meet Our Team

    Our team is equipped to handle complex legal matters with precision and care. Learn more about our lawyers below.

    بيار كيروز

    الرئيس القانوني الأول
    Maria Valeyeva

    ماريا فالييفا

    الرئيس التنفيذي للامتثال
    Georges Touma

    جورج توما

    رئيس قسم التقاضي والمنازعات
    Hanan Ahmed Al Balushi

    حنان أحمد البلوشي

    Practicing Lawyer
    Lathamani Chandrashekar

    لاثامني تشاندراشيكار

    Senior Corporate Counsel
    Arka Navle

    أركا نافلي

    Corporate Counsel
    Nashita Nazneen

    ناشيتا نازنين

    Junior Corporate Counsel
    Professor Mark Engelman

    البروفيسور مارك إنجلمان

    Intellectual Property Barrister
    Rita Semaan

    ريتا سمعان

    مستشار قانوني
    Carlos Rahme

    كارلوس رحمة

    Senior Legal Consultant
    Souhad Al Ghorayeb

    سُهاد الغريّب

    Senior Legal Consultant
    Sandy Y. Geagea

    ساندي ي. جعجع

    مستشار قانوني
    Saeed Gaber

    سعيد جابر

    Legal Research Analyst
    Muhammed Ali Charif

    محمّد علي شريف

    مستشار قانوني مساعد
    Jenifer Abu Nasr

    جينيفر أبو نصر

    Paralegal
    Patricia Abi Mansour

    باتريسيا أبي منصور

    مديرة تطوير الأعمال
    Valakshmi Balasubramanian

    فارالاكشمي بالاسبرامانيان

    Operations Assistant
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